SGI CANADA Policy Booklet - Your Easy Read Home/Mobile Home

damage to other property caused by an insured peril is covered.
j) loss or damage caused by snowslide, earthquake, landslide, or any
earth movement. If any of those results in fire or explosion, we will
pay for the resulting loss or damage.
k) loss or damage to property on exhibit or display, or any time your
property is being held for sale by others.
l) loss or damage not due to a sudden, unexpected event.
m) loss or damage caused by a nuclear incident as defined in the
Nuclear Liability Act. Nor do we cover nuclear explosion or
contamination by radioactive material.
n) loss or damage caused by war, invasion, act of a foreign enemy,
declared or undeclared hostilities, civil war, rebellion, revolution,
insurrection, or military power.
o) loss or damage caused by criminal or wilful acts done by you or any
person whose property is insured under this policy, including acts
done for you by someone else.
p) loss or damage caused by acts you deliberately did or you failed to do.
q) dwellings, outbuildings or belongings contained therein that have
been placarded or condemned by any authority.
r) loss or damage to dwellings, outbuildings or belongings contained
therein, while being moved or being raised off its foundation.
s) loss or damage resulting from a change in ownership of property that is
agreed to, even if that change was brought about by trickery or fraud.
t) loss or damage resulting from contamination or pollution or the
release, discharge or dispersal of contaminants or pollutants.
u) loss or damage caused directly or indirectly, in whole or in part, by
terrorism or by any activity or decision of a government agency or
other entity to prevent, respond to or terminate terrorism regardless of
any other cause or event that contributes concurrently or in any
sequence to the loss or damage, but you are still insured for ensuing
loss or damage which results directly from fire or explosion.
v) i) loss or damage to data; or,
ii) loss or damaged caused directly or indirectly by a data problem.
However, if loss or damage caused by a data problem results in
the occurrence of further loss of or damage to property insured
that is directly caused by fire, explosion, smoke or water damage,
this exclusion shall not apply to such resulting loss or damage.
w) i) loss or damage caused directly or indirectly, in whole or in part,
by any fungi or spores.
ii) the cost or expense for any testing, monitoring, evaluating or
assessing of fungi or spores.
Fungi means, but is not limited to, any form or type of mould, yeast,
mushroom or mildew whether or not allergenic, pathogenic or
toxigenic, and any substance, vapour or gas produced by, emitted
from or arising out of any fungi or spore(s) or resultant mycotoxins,
allergens, or pathogens.
Spore(s) means, but is not limited to, any reproductive particle or
microscopic fragment produced by, emitted from or arising out of any
fungi.
x) loss or damage to any outdoor hot water heating unit(s) on the
premises, including the structure or enclosure housing the unit(s) and
all contents of the same structure by or resulting from the use of the
heating unit.
y) loss or damage caused directly or indirectly to dwellings, outbuildings
or belongings contained therein, used in whole or in part for any
illegal or unauthorized activity related to and including the growing,
harvesting, manufacturing, processing, storing, sale or distribution of
any drug or narcotic or the possession of any substances or items of
any kind which constitutes a criminal offense, whether or not you
have any knowledge of or are able or unable to control such illegal
activity. This includes any alteration of the premises to facilitate such
illegal activity.
18